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Lawyer Directory. Call us at 1 Home Legal Information Car Accidents. Utilizing your UIM policy protection after a car accident with an uninsured or underinsured driver. Uninsured Motorist UIM Car Insurance Coverage If you have uninsured motorist UIM coverage, you'd use it if you are hit by a driver who carries no car insurance, and the accident is deemed to be that driver's fault.
You should still preserve any evidence and contact an attorney as soon as you can after the accident, because we deal with these issues on a day-to-day basis. It's not uncommon for us to have to make a claim through MVAIC, or make sum claims if the at fault driver had some insurance, but it just isn't enough.
We can assist with every step of the way, because it does get a little bit confusing trying to deal with MVAIC or an underinsured motorist's insurance company. We would not advise giving any statements to the at fault driver himself, or the at fault driver's insurance company. We would want you to contact an attorney as soon as possible, so that we can walk you through the steps needed to get the maximum recovery for your injuries. Get the information and legal answers you are seeking by calling today.
Please do not include any confidential or sensitive information in a contact form, text message, or voicemail. The contact form sends information by non-encrypted email, which is not secure. Many threats could endanger a business that does not have the correct insurance coverage, such as: Financial impact: In the time of a cataclysmic event, such as a fire, flooding, hurricane or major storm, not having the right insurance coverage could be devastating for a business to recover from financially.
Legal action : Customers, clients and even employees could take legal action against a business if they fail to deliver on a contract. Lawsuits could be financially draining to a business if they do not have the right insurance coverage. Non-compliance : Local, state and federal laws require businesses to have insurance coverage for a variety of risks. Underinsured businesses might not have the right coverage to assist in the payout for these types of damages. Recovering from paying for this damage above and beyond what insurance covers could be detrimental to small businesses and could put small business owners into personal bankruptcy as well.
Prevent Risks to Your Business by Being Prepared When purchasing insurance coverage for your small business, you need to be prepared to discuss all aspects of your business with your insurance agent. Keep these tips in mind: Understand your needs: Each business has its own unique insurance risks and requirements. Since there are several commercial insurance options, you must understand the level of risk before you choose your coverage.
Be sure to add a rider to the policy that would cover your home-based business. Have a good agent or broker: An insurance agent is a person that you rely on to protect your business. Find an agent who is familiar with your business and industry. Review and update the policy every year: Your business needs change, and so should your insurance. Make sure to review the policy, coverage and any changes for the upcoming year. Small Business Insurance Coverage Being underinsured is not an option.
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